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The Federal "Can-Spam" Act and Your Privacy
 Given the passage of recent legislation to reduce the amount of "spam" e-mail flooding our electronic mailboxes, Kemper CPA Group LLP wishes to assure subscribers to our e-newsletter that we are making every attempt to be in compliance
with the new legislation and ensure your privacy. In accordance with the new legislation, which took effect January 1, 2004, each issue of the Kemper CPA Group LLP e-newsletter offers:
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A functioning and legible return address at KemperCPA@charter.net
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Our subject lines will always contain "Kemper CPA Group LLP" so our subscribers are aware that the e-mail is our newsletter and from whom the e-newsletter is being sent
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Kemper CPA Group LLP does not "harvest" e-mail addresses
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Option to unsubscribe through the "Remove my name" link at the bottom of every issue of our e-newsletter – this link is always available and active
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Requests to remove an address from our database are immediately honored
One addition to our e-newsletters, in accordance with the new legislation, will be the inclusion of a physical address at which you can contact us here at the corporate office; also note, the addresses of all of the Kemper CPA Group LLP offices are always available via
the state links listed in the left frame of each issue of our e-newsletter. Our privacy policy is also available on our website at www.kempercpa.com for your review. Spam e-mail is a serious problem – rest assured that Kemper will strive to ensure that our electronic newsletter provides informative, current information that is timely, useful, and
welcome in your electronic mailbox!
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Advice for Filing your Tax Return!
The tax laws are complex, and they change every year. Here are some suggestions that can help make filing your tax return a little easier.
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Start early – any unpleasant chore becomes more difficult if it is left until the last minute, so get an early start on filing your return. Get out last year's return and review it. Your prior return or a tax organizer can be a real timesaver, and a money saver as well, since it jogs your memory concerning income and deductions you
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Summarize deductions – go through your checkbook, credit card statements, and receipts for cash purchases looking for possible deductions. Add up the totals of medical expenses, union dues, mortgage interest, real estate taxes, charitable donations, work-related expenses, personal property taxes and any other items that you think may
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Gather tax documents that you receive – save all documents you receive that contain information you will need for tax return preparation. Typical forms include: |
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Form W-2 – Statement of wages |
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Form 1099-R – Distributions from pensions, annuities, retirement or profit-sharing plans, IRAs, insurance contracts, etc. |
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Form 1099 – Interest, dividends, royalties, etc. |
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Form 1099-G – State and local income tax returns |
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Form 1099-B and Brokerage Statements – Sales of securities |
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K-1s – Income and deductions from partnerships, S corporations, trusts, estates |
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For additional helpful filing tips, click here to read the entire article in the Reference Section on the Kemper CPA Group LLP website! The friendly professionals at
your local Kemper CPA Group LLP office can assist you with filing your return. Contact us today!
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Personal Bankruptcies – Reaching Record Levels
 Bankruptcy law allows a debtor, who is unable to pay his or her creditors, to resolve his or her debts through the division of the debtor's assets among the creditors. Reports from bankruptcy courts across the country reflect a record number of personal bankruptcy filings in the United States in 2002. Sadly, the numbers for 2003 show an increase over the prior
year. It is true that for some bankruptcy is the most viable option; but for others, it might be a choice made too quickly and without objective, professional advice.
Declaring bankruptcy may seem to be the "quick fix" for a multitude of financial difficulties, but in the long term, having such a mark on your financial history can cause far more problems than it resolves. Obtaining credit for good debt, such as a home or college education, saving for a comfortable retirement, or just buying reliable transportation, could become
difficult or even impossible with a past bankruptcy on your credit report.
If you are considering filing for personal or business bankruptcy, please thoroughly consider all of your options. If a divorce, the loss of a job, credit card debt or a failing business is driving your decision, take the time to review your current debts, assets and/or accounts receivables and payables –
then give us a call.
There may be other options available of which you are unaware that may help you avoid bankruptcy court. And should we determine that a bankruptcy filing is the only option for you, we can help you understand the tax ramifications.
We will help you review all of the options available and will provide guidance to help you make an informed decision that is in your best interest. Contact your local Kemper CPA Group LLP office for confidential and professional assistance.
 1040 Central – One Stop Shopping for IRS News, Forms and More!
The IRS has gathered, consolidated, and summarized the multitude of tax filing information, forms, etc., under one new website – 1040 Central! You can find tax rate information, capital gain and dividend information for investors, a "what's new this year" section, forms, frequently
asked questions, and more. Specifically designed for both taxpayers and the professionals that assist them, 1040 Central can help with a wide variety of "taxing" questions or needs! Check it out today!
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ACCPAC CRM – Try it free for 30 days!!
AccPac is offering a 30 day free trial to their hosted CRM product. Just go to www.accpaccrm.com to sign up. It's that easy!
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ACCPAC CRM (Customer Relationship Management) Software offers a variety of features to help you improve your customer relations including customer care, marketing automation and sales force automation. |
If you have been wondering how CRM would work in your environment, now is the time to give it a try with no obligation. If you would like Kemper Technology Consulting to assist with setting up your trial or some suggestions feel free to give us a call! While
getting started is simple we want you to get the most out of your experience using CRM and our experts can help you get started.
The right CRM product will help you:
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Retain customers and expand your business
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Gain new customers
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Reduce cost related to marketing, sales and customer service
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Improve customer care
 Give it a try today and see how ACCPAC CRM can help you start achieving these objectives. Kemper Technology Consulting has the ACCPAC professionals you need to assist you with selecting,
installing and implementing the ACCPAC software that is most beneficial for your business!
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Don't Know Much about . . . Life Insurance?
 If you don't know much about life insurance, help is on the way. The first lesson is learning the lingo. Then your financial professional can help you determine how much and what type of coverage is
right for you.
Two Main Types
The two broad categories of life insurance are term and permanent life insurance. Term insurance covers you for a specific length of time and pays a death benefit to your beneficiary if you die while the policy is in effect. Its relatively low cost may allow you to buy more coverage for less money.
Permanent insurance lasts for your entire life and includes an investment component. The policy generally pays dividends and builds a "cash value" for you that is tax favored. Premiums typically are more expensive than term insurance premiums.
To learn more about the terminology and benefits of life insurance, click here to view the January/February 2004 issue of Kemper Capital Management's online newsletter Loose Change! Issued on a bimonthly basis, this informative newsletter provides
pertinent and timely articles regarding investments, health insurance, and how to save if you are self-employed!
If after reading the newsletter you have any questions or wish to discuss purchasing life insurance, or obtaining additional coverage, contact the friendly professionals at Kemper Capital Management today to discuss your investing needs!
Investment advisory services offered by KCPAG Financial Advisors LLC, a registered investment advisor. Securities offered through CapPro Brokerage Services, Inc., member NASD & SIPC. Insurance services offered through KCPAG Insurance Services LLC.
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